Use Your 401(k) or IRA
Without Paying Taxes or Incurring a Penalty

R&R Associates helps you
take advantage of a time-tested, widely accepted way to use 401k or IRA money to
start, invest in or maintain a business with no penalty and no taxes. This money
can even be used to satisfy the 25% equity investment required to qualify for a
Small Business Administration (SBA) guaranteed loan.

Current tax laws severely
penalize those who prematurely access their 401k, IRA, profit-sharing or annuity
plans. In fact, in many states, you will lose up to 60% of your funds in taxes
and penalties just for accessing the savings you have worked so hard to
accumulate. Taking an early distribution of a 401k or IRA triggers the following
taxes: Federal income taxes, State income taxes and a 10% early withdrawal
penalty. A distribution of $100,000 could easily result in a $60,000 tax bite,
depending on your income bracket.

Our
process has been used by the wealthy for decades; however, the rest of us rarely
have had access to the benefits of high paid advisors. This process gives you
the opportunity to invest in income property, make a private placement, buy a
franchise, buy a house and even survive unemployment.

R&R Associates can assist
you in effecting a rollover of your 401(k) money from your former employer’s
401(k) or pension plan into one of the various types of self-directed IRAs
(including the Traditional IRA , Roth
IRA , SEP-IRA , and SIMPLE
IRA ) available through one of our correspondent banks.

All
accounts are self-directed by the accountholder or the accountholder's
designated representative. A self-directed IRA allows the client to diversify
his/her investment holdings in order to customize a portfolio that will generate
the optimal return. Within a self-directed IRA, individuals may hold any type of
publicly traded assets such as mutual funds, stocks, annuities, limited
partnerships and/or bank CDs. In addition, private placements or non-standard
assets such as real estate, stocks of closely held companies, promissory notes,
deeds of trust, private limited partnerships and other types of private
investments may be consolidated or purchased within a self-directed IRA.

With a self directed IRA
you receive:

Extremely
low transaction fees (all work is done on a pre-agreed fixed-price or lump sum
basis)

The
ability to hold a wide array of both public offerings and private placement
investments

Flexible
diversification within one consolidated account

Automatic
reinvestments (dollar cost averaging) of dividends or earnings at no extra cost.

The
ability to customize a distribution schedule which allows you to choose the day
of the month or quarter which best meets your needs for account withdrawals